Free Personal Automobile Policy Practice Questions
Michigan Property & Casualty exam (series 16-81) — 167 practice questions.
Subtopics: Auto nonrenewal notice, No-fault system, 2019 reform PIP choice, PIP unlimited option, PIP opt-out, PIP components, Residual liability, Property protection, MCCA reimbursement, Collision coverage, Comprehensive coverage, Uninsured motorist, Mini tort, Compulsory coverage, Required coverages, When security required, Storage coverage, Motor vehicle defined, Owner defined, Default BI limits, Lowest BI option, Property damage limit, No BI selection, BI form contents, Named excluded driver, Excluded driver PIP, Residual territory, Residual liability uses, PIP no-fault, PIP medical options, Default PIP, Medicaid option, VA coverage, QHC deductible 2026, QHC requirements, Losing QHC, Gap injury, Who selection covers, Stacking, Attendant care rider, Opt-out non-medical PIP, Work loss period, Work loss tax reduction, Replacement services, Funeral benefit, Work loss waiver, Survivor's loss, Stolen vehicle, Uninsured owner, PIP priority - own policy, Pedestrian with no policy, Motorcyclist priority, Motorcycle security, Overdue PIP, PIP interest, Late medical bills, PIP suit deadline, One-year-back rule, PPI suit deadline, Provider fee schedule, PIP rate rollback, PPI limit, PPI territory, PPI own property, PPI measure, PPI fault, Tort threshold, Serious impairment, Comparative fault bar, Uninsured plaintiff, Excess economic loss, Mini-tort amount, Mini-tort court, Mini-tort coverage, Mini-tort with collision, MCCA membership, MCCA indemnity, MCCA retention, MCCA reimbursement share, MCCA fee, MAIPF purpose, MAIPF participation, MAIPF annual notice, Assigned claims limit, Assigned claims proof, Auto cancellation grounds, First 55 days, Cancellation notice method, Right to appeal, Nonpayment cancellation, Cancellation warning, Prepaid 6-month policy, Short rate allowed, Age 65 protection, Auto eligible person, Eligibility points limit, Eligibility points - speeding, Drunk driving ineligibility, Auto fraud ineligibility, Prohibited rating factors, ZIP code rating, Allowed PIP factor, Merit rating, Substantially at fault, Senior discount, Comp deductible rule, Prior insurance certification, Military lapse, Auto rate approval, Annual point system notice, Private passenger scope, Collision options offered, Limited collision, Broad form collision, Rejecting collision, Repair shop choice, Aftermarket parts, Auto fire report, UM optional, TNC exclusion, Uninsured driving penalty, Nonresident vehicles, Proof of insurance, Electronic proof, False proof, Certificate per vehicle, Policy structure, Physical damage, Definition of insured, Optional coverages, Exclusions, Liability coverage, Medical payments, Other than collision, Transportation expenses, Underinsured motorist, Towing and labor, Newly acquired autos, Definitions, Supplementary payments, Liability exclusions, Uninsured motorists, Physical damage exclusions, Duties after loss, Policy territory, Termination, Residual market
Read the Personal Automobile Policy study guide
Sample questions & answers
1. To nonrenew a Michigan auto liability policy, the insurer must mail notice by first-class mail at least how many days before the termination date?
20 days
Section 3204(2) treats a refusal to renew as a cancellation unless the insurer mails notice of nonrenewal by first-class mail 20 days before the termination date.
2. Michigan's personal auto insurance system is based on:
A no-fault framework
Michigan uses a no-fault auto system where injured persons first turn to their own coverage for benefits.
3. A major change from Michigan's 2019 no-fault reform is that drivers may now:
Choose a level of PIP medical coverage
The 2019 reform lets drivers choose among PIP medical coverage levels rather than only unlimited coverage.
4. Under Michigan's reformed no-fault law, one available PIP medical option is:
Unlimited (uncapped) medical coverage
Drivers may still select unlimited PIP medical coverage among the available reform options.
All Property & Casualty topics
Practice: Personal Automobile Policy
Answer choices are shuffled every time, and every question comes with an explanation.
Practice questions are study aids generated for exam preparation and are not actual exam questions. Content is provided for educational purposes and is not legal advice. Verify current statutes, rules, and exam specifications with the Insurance Department and the exam administrator before relying on it.
